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Do You Qualify for Social Security Disability Insurance (SSDI)?

By Kari Panza • 09/10/2025

If you’re living with a serious medical condition and wondering whether you qualify for Social Security Disability Insurance (SSDI), you’re not alone. Many people are unsure about the eligibility requirements — and getting clear on them is an important first step toward receiving the benefits you need.

 

Below is a straightforward guide to help you understand the main factors the Social Security Administration (SSA) considers when reviewing SSDI applications.

1. Duration and Severity of Your Condition

  • Your disability has lasted — or is expected to last — at least 12 months, or is considered life-threatening.

  • Your condition must significantly limit your ability to perform basic work functions, such as standing, walking, lifting, concentrating, or remembering.

2. Current Work and Income

  • You must be earning less than the 2025 Substantial Gainful Activity (SGA) limit:

    • $1,620 per month (non-blind applicants)

    • $2,700 per month (blind applicants)

  • These amounts are gross income before taxes.

3. Medical Documentation

  • You’ll need detailed, up-to-date medical records such as:

    • Test results

    • Doctor’s notes

    • Treatment plans

  • Your condition should be listed in the SSA’s Blue Book or be comparable in severity.

4. Work History

  • SSDI is only available to people who have worked jobs that paid into Social Security.

  • Most applicants need 40 work credits (about 10 years of work), with 20 credits earned in the last 10 years.

  • Younger workers may qualify with fewer credits.

5. Ability to Work

  • You must be unable to perform your past work.

  • You also must be unable to adjust to other types of work based on your age, education, and work experience.

6. Required Documents

When applying, you’ll need to gather:

  • Proof of identity

  • Tax returns and pay stubs

  • All relevant medical evidence, organized chronologically

Why Applications Get Denied — and How We Can Help

One of the most common reasons SSDI claims are denied is incomplete paperwork or unclear medical documentation. Even if you meet all the eligibility requirements, the SSA may deny your claim if your records don’t clearly support your case.

At Panza Legal Services, we help clients prepare strong, complete applications and guide them through the entire process. We understand how overwhelming it can feel — and we’re here to make sure you don’t have to navigate it alone.

Ready to See If You Qualify?

If you’re unsure about your eligibility or need help putting together your application, contact Panza Legal Services today. We would be honored to review your case and help you take the next step toward securing the benefits you deserve.

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